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To report a lost or stolen Town & Country Bank ATM or Debit Card, contact your local branch or if after hours, call 1-573-453-2982
Town & Country Bank’s Primary Regulator:
Federal Reserve Bank of St. Louis
One Federal Reserve Bank Plaza
Broadway and Locust Street
P.O. Box 442
St. Louis, MO 63166-0442
Lenders who originate mortgage loans are required to be registered. You may verify Mortgage Companies and individuals at the Nationwide Mortgage Licensing System (NMLS) and Registry Consumer Access site:
Identity thieves can steal your personal information in many ways– online and offline.
Tips for Keeping your email safe and secure.
Strong passwords should be hard to guess but easy to remember.
Town & Country Bank advises people to talk to their family members about schemes and how to avoid fraud. People are generally less likely to fall for a scheme if they’ve already heard about it.
When in doubt about an email or text you receive with a link, contact your local branch to speak to a banker before you click.
A perpetrator pretends to be a grandchild, law enforcement officer, or medical professional with a story that the grandchild is in legal or medical trouble and needs money immediately to resolve the issue. Scam artists can easily access grandkids’ personal information from simple internet research. Never give money or personal information. Say you’ll call back and check with other relatives before doing anything.
This includes fake sweepstakes, the most common form of fraud that impacts seniors. Any sweepstakes or lottery that requires advance fees or upfront charges is a scam. Never wire money to a stranger. Another type of telemarketing scam is the fake governmental agency call, which aims to get access to government benefits and includes requests for personal information such as social security numbers or Medicare information. Ask for the request in writing and go to the official government webpage—if it exists—to find contact information. Then call that agency directly. Never give personal information to someone who calls.
Every American older than 65 is eligible for Medicare, and scam artists often pose as Medicare representatives to solicit personal information. As mentioned above, a caller may claim to represent a government agency and state that a Medicare or Medicaid card needs to be replaced. This is a ruse to get a senior’s personal information for identity theft. Fraudulent medical bills are then filed with Medicare using the stolen identity. Other scams provide services and screenings through mobile clinics at senior centers, and personal information is collected to bill Medicare for fraudulent services. Always ask questions and know that free services should never require that personal information be provided.
Remember that if it seems too good to be true, it usually is. Be suspicious of anyone who promises massive returns on an investment or offers a once-in-a-lifetime opportunity. Be sure to only deal with reputable and credible institutions. Before making any investment, no matter the amount, check with your financial planner or a trusted loved one to ensure it’s legitimate.
Repair fraud is widespread. Never pay for a repair upfront—often, the services may never be provided. Check with friends and family members about costs and the schedule of things you’re unsure of, such as how often to change your tires or the going rate for lawn care.
This usually happens in two ways. First, a perpetrator will scan obituaries and contact the grieving widow or widower with a claim that the deceased had an outstanding debt. Never pay this without independent confirmation. Alternately, seniors are exploited by disreputable funeral homes, which will use unfamiliarity with funeral costs to add unnecessary charges.
Here are some links below to reputable service organizations that can help prevent, identify, and resolve fraud. Please remember that we are here to help you and can be reached at (573)453-2982
Questions about a new loan?
Contact us at firstname.lastname@example.org
Town & Country Bank is focused on providing fast customer service whenever possible. However, we cannot guarantee immediate response to e-mail inquiries. Please call your local Town & County Bank if you have a question that requires immediate attention. E-mail messages may not be secure.
Requests for information relating to the servicing of your loan or a notice of possible error on your loan account should be made in writing and delivered to:
Town & Country Bank
PO Box 349
Salem, MO 65560
This Letter must include the name of the borrower, account number, and must state the information you are requesting or the error you believe has occurred regarding your mortgage loan.